Trades & Labor Federal Credit Union

Headquarters: Albert Lea, Minnesota
Charter: Credit Union
Assets: $23.0M
Fed district: Minneapolis

14 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 5, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Trades & Labor Federal Credit Union: $30
Trades & Labor Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Compared at $25, the middle of its prices
Trades & Labor Federal Credit Union: $20 to $30
Trades & Labor Federal Credit Union: $20 to $30
U.S. median: no median
Wire Transfer (Domestic Out)
Trades & Labor Federal Credit Union: $20
Trades & Labor Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Minnesota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Minnesota: Banks and credit unions headquartered in Minnesota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Trades & Labor Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closure fee$20
Inactive Account/Dormant fee$25
Account Reconciliation fee$10
Account Research fee$15
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Fee$3
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft fee$30
per item
Return Check fee$20
Returned Item fee$30
per item

ATM & Card

Card Replacement fee$5

Wire Transfers

Outgoing Wires Domestic Only$20

Check Services

Money Order fee$2.50
per item
Stop Payment fee$20
per item
Share Draft Copy Fee$2
per item

Account Services

Non-member notary$5

Lending Fees

Late fee after 15 days$30
Late Payment fee$20
UCC Filing Fees$20

Other Fees

Statement Copy fee$5
Not compared: Monthly charge, not per item
per month
Duplicate Lien Release$5

Fee	Amount	Basis	Note
Account Maintenance
Account Closure fee	$20	Not stated	None
Inactive Account/Dormant fee	$25	Not stated	None
Account Reconciliation fee	$10	Not stated	None
Account Research fee	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Fee	$3Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft fee	$30	per item	None
Return Check fee	$20	Not stated	None
Returned Item fee	$30	per item	None
ATM & Card
Card Replacement fee	$5	Not stated	None
Wire Transfers
Outgoing Wires Domestic Only	$20	Not stated	None
Check Services
Money Order fee	$2.50	per item	None
Stop Payment fee	$20	per item	None
Share Draft Copy Fee	$2	per item	None
Account Services
Non-member notary	$5	Not stated	None
Lending Fees
Late fee after 15 days	$30	Not stated	None
Late Payment fee	$20	Not stated	None
UCC Filing Fees	$20	Not stated	None
Other Fees
Statement Copy fee	$5Not compared: Monthly charge, not per item	per month	None
Duplicate Lien Release	$5	Not stated	None

Correct a fee source

Oct 5, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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